Smart retirement strategies for the long run. Starting with the short run.

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How much will you really need?

Retirement is personal. So the conventional wisdom of needing to maintain 70-80 percent of your salary might not apply. In doing your own math, it’s important to consider how expenses like a mortgage, or helping a grandchild pay for college, will affect how much income is right for you.

Get familiar with the numbers.

With expenses big and small in mind, you can begin to wrap your mind around how much income you’ll need to generate, how much money you’ll need to put away, and how you can best invest all you have. 

Plan for additional expenses.

On top of your more predictable expenses, like mortgage payments, you may also need money for unexpected expenses, like health care. Whether you’re decades from retirement or it’s just around the corner, now is the time to consider different scenarios.

Know your starting place.

Once you know how much you’ll need to save for retirement, you can see how far you’ve already come. We’ll take a look at your 401(k) and IRA and work with you to help ensure you’ll have all you need. 

Build your savings.

Together, we’ll consider the methods for growing your savings. From market investments to annuities, you have options to achieve your personal goals. 

Turn savings into income.

You could take money out of a mutual fund and invest it into a Guaranteed Lifetime Income Annuity. Or you could turn a variable annuity into a Guaranteed Future Income Annuity. Options abound. Let’s determine yours.

Ready to plan your retirement? A registered representative near you can help.


Want to know how much retirement income your 401(k) can provide?

The starting line is here and now.

Waiting until the last paycheck doesn’t make sense, because creating a plan that suits your needs takes a little time. But no matter how close you are to retirement, we can help you set and meet realistic goals for the future.

Wondering what your income needs will be in retirement?

Here are some tips to move your thinking from saving for to living in retirement.

Late in the Game?

We’ve got some retirement tips for late planners that will put your mind at ease.

Not Your Parents’ Retirement

Whether you are a baby boomer or Gen X or Gen Y, one thing is clear: Your retirement is going to be very different than your parents’. Here’s why.

Save Now, Play Later

We’ve done the math to prove how important it is to start saving for retirement today.

Nothing prevents a hard fall like a good save.

Looking for a conservative way to grow your retirement savings? Fixed annuities earn a solid interest rate—regardless of what’s happening in the market.

Clear Income Fixed Annuities

Pre-arrange for a solid future income with some liquidity to cover unexpected expenses.

Secure Term Fixed Annuities

Enjoy safe, steady, and tax-deferred growth to best suit your future retirement needs.

Unsure which annuity is best for you? We can help.

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Talk it through with an expert.

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